GRAHAM PROFIT SHARING PLAN Contribution & Employer Match
How GRAHAM CAPITAL MANAGEMENT, L.P. Supports Your Retirement Savings
GRAHAM CAPITAL MANAGEMENT, L.P. provides retirement savings benefits through GRAHAM PROFIT SHARING PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
GRAHAM PROFIT SHARING PLAN Average Participant Retirement Account Value
GRAHAM PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
802,379.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,537.00 in GRAHAM PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in GRAHAM PROFIT SHARING PLAN
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
GRAHAM PROFIT SHARING PLAN Total Employer Contribution and Match Rate
GRAHAM PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $6,625.00 for 20 years would give you extra $424,007.00, assuming a 10% annual return.
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
GRAHAM PROFIT SHARING PLAN Contribution & Match Policy
GRAHAM PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Participants may contribute between 1% and 100% of compensation (up to allowable Internal Revenue Service (IRS) limits), as defined in the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants are immediately vested in their deferral and rollover contributions, including the earnings on those amounts.
- Vesting in the remainder of their accounts is based on years of continuous service.
- Participants are fully vested in employer contributions upon the completion of six years of service.
- Participants are also fully vested upon reaching normal retirement age, death or total disabled.
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
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